If the actual inflation rate is lower than the expected inflation rate, this is O Good for both borrowers and lenders.
Bad for borrowers but good for lenders.
O Bad for both borrowers and lenders.
Good for borrowers but bad for lenders.

The advantage of administering personality tests on employees is that it will allow the employer to know the mindset and personality of the employee. this will allow the employer to at least have an idea as to how the employee works and how his attitude in the workplace. the disadvantage is that it may make the employee a little anxious as to whether he would meet the personality requirements of the employer and whether he would be able to retain the job or not. 

Ibelieve the answer i'd medicaid.